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Medicare Basics

Medigap Plan F – Medicare Supplement

Benefits
Medigap Plans
A B C D F G K L M N
Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $5,560 $2,780 N/A N/A

2019 Data – Table Source

Plan F’s Popularity

Medicare supplement Plan F is a more comprehensive plan than the others as far as benefits for the enrollee.  Each insurance carrier decides which Medigap policies it wants to sell, although state laws might affect which ones they offer.  If an insurance carrier offers any Medigap Plan they must also offer Plan F as well as Plan C.

What Does Plan F Offer?

Plan F covers the Medicare Part A co-insurance and deductible, Medicare Part B co-insurance or co-payment and deductible, and 100 percent of the Part B excess charges.

Benefits

Plan F covers benefits like coinsurance for hospice services, skilled nursing facility treatment coinsurance, and foreign travel emergency insurance.

Plan F insurance

Plan F covers Medicare Part B excess charges, which result from the difference between what a physician charges for services and what Medicare will compensate the physician for those services. The doctor can charge you up to 15% of the amount not covered by Medicare, but Plan F will cover this difference. You can also enroll in a Plan F policy with a high deductible. If you choose this option, it means you must pay for Medicare-covered costs up to the deductible amount of $2,300 in 2019 before your Medigap plan pays anything. Plan F may shelter you from higher payments that you must pay yourself if you need health services that are more expensive than what Medicare will pay.

What doesn’t Plan F cover?

Plan F does not cover preventive care or at home recovery care. You can call our licensed sales agents for more information and help finding the right plan for your needs.